Difference between revisions of "Home loan"

From Nookipedia, the Animal Crossing wiki
(missing new horizon heading)
(Moving game-specific content from intro to their respective sections, added info on where to pay off the loan)
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[[File:House PG Icon.png|left]]
 
[[File:House PG Icon.png|left]]
 
[[File:NHFinalLoanPaidOff.jpg|thumb|right|300px|A player after fully paying off their home loan in {{NH|short|nolink}}]]
 
[[File:NHFinalLoanPaidOff.jpg|thumb|right|300px|A player after fully paying off their home loan in {{NH|short|nolink}}]]
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A '''home loan''', also known as a '''debt''' or '''mortgage''', is an amount of [[Bell]]s that is required to pay off in order to purchase or expand a [[player]]'s [[house (player)|home]]. After the player pays off the mortgage once, the price will increase. Once the house is fully expanded and paid off, the player will usually get a reward. In {{PG}}, after the player pays off their mortgage, they will have a statue put up of them in front of the train station, the size and color of which depends on the order in which each of the four players accomplishes this.{{Note|group=lower-alpha|In order, the statues will be gold, silver, bronze, and jade; the gold statue is the same size as the player themselves, and the jade statue only reaches body height.}} In {{DnMe+}}, the player will additionally gain access to [[Animal Island]] (which, unlike {{PG|nolink}}, does not require a [[Game Boy Advance]] connection). In {{CF}}, the player will receive a flag in front of their house that [[custom design]]s can be placed on. Paying off the mortgage in {{NL}} unlocks theme challenges run by [[Lyle]] at the [[Happy Home Academy]]. In {{NH}}, paying off the final mortgage will cause any future exterior renovations to be completely free for the player. {{WW}} is the only game that does not feature a reward for the player after completing their mortgage.
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A '''home loan''', also known as a '''debt''' or '''mortgage''', is an amount of [[Bell]]s that is required to pay off in order to purchase or expand a [[player]]'s [[house (player)|home]]. After the player pays off the loan once, their home will be expanded again and they will be given a new loan. Once the house is fully expanded, the player will usually get a reward for paying off the final loan.
  
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== Required Amounts ==
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==Appearances==
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==={{DnM|nolink}}===
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===In {{DnM|nolink}}===
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In {{DnM}}, {{PG}}, and {{DnMe+}}, the home loan can be paid off by speaking to [[Pelly]] or [[Phyllis]] at the [[post office]]. Additionally, in all three games, the player cannot deposit their Bells into their [[savings]] until their home loan is fully paid off.
 
{| class="styled color-gameplay"
 
{| class="styled color-gameplay"
 
|-
 
|-
−
! Purchase !! Mortgage Cost !! Size
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! Purchase !! Cost !! Size
 
|-
 
|-
 
| Buying house || 19,800 [[Bell]]s || 4 x 4
 
| Buying house || 19,800 [[Bell]]s || 4 x 4
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|}
 
|}
  
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==={{PG|nolink}} and {{DnMe+|nolink}}===
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===In {{PG|nolink}} and {{DnMe+|nolink}}===
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In {{PG}}, fully paying off the home loan results in a statue of the player being placed outside the [[train station]]. The statue changes size and color based on the order each of the four players in the town pay it off: the first player to pay off their home loan receives a golden statue, the second player a silver statue, the third player a bronze statue, and the fourth player a jade statue. Additionally, in {{DnMe+}} fully paying of the player's home loan gives them access to [[Animal Island]].
 
{| class="styled color-gameplay"
 
{| class="styled color-gameplay"
 
|-
 
|-
−
! Purchase !! Mortgage Cost !! Size
+
! Purchase !! Cost !! Size
 
|-
 
|-
 
| Buying house || 19,800 [[Bell]]s || 4 x 4
 
| Buying house || 19,800 [[Bell]]s || 4 x 4
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|}
 
|}
  
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==={{WW|nolink}}===
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===In {{WW|short|nolink}}===
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In {{WW}}, the home loan can be paid off by speaking to Pelly or Phyllis at [[town hall]].
 
{| class="styled color-gameplay"
 
{| class="styled color-gameplay"
 
|-
 
|-
−
! Purchase !! Mortgage Cost !! Size
+
! Purchase !! Cost !! Size
 
|-
 
|-
 
| Buying house || 19,800 [[Bell]]s || 4 x 4
 
| Buying house || 19,800 [[Bell]]s || 4 x 4
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|}
 
|}
  
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==={{CF|nolink}}===
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===In {{CF|short|nolink}}===
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In {{CF}}, the home loan can be paid off from the ABD in town hall. Fully paying off the home loan results in a [[flag]] being placed in front of the player's [[Player house|house]].
 
{| class="styled color-gameplay"
 
{| class="styled color-gameplay"
 
|-
 
|-
−
! Purchase !! Mortgage Cost !! Size
+
! Purchase !! Cost !! Size
 
|-
 
|-
 
| Buying house || 19,800 [[Bell]]s || 4 x 4
 
| Buying house || 19,800 [[Bell]]s || 4 x 4
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| First main room expansion || 120,000 [[Bell]]s || 6 x 6
 
| First main room expansion || 120,000 [[Bell]]s || 6 x 6
 
|-
 
|-
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| Second main room Expansion || 248,000 [[Bell]]s || 8 x 8
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| Second main room expansion || 248,000 [[Bell]]s || 8 x 8
 
|-
 
|-
 
| Second floor || 368,000 [[Bell]]s || 6 x 6
 
| Second floor || 368,000 [[Bell]]s || 6 x 6
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|}
 
|}
  
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==={{NL|nolink}}===
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===In {{NL|short|nolink}}===
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In {{NL}}, the home loan can be paid off from the ABD in the post office. Fully paying off the home loan unlocks theme challenges run by [[Lyle]] at the [[Happy Home Academy]].
 
{| class="styled color-gameplay"
 
{| class="styled color-gameplay"
 
|-
 
|-
−
! Purchase !! Mortgage Cost !! Size
+
! Purchase !! Cost !! Size
 
|-
 
|-
 
| Buying house || 10,000 [[Bell]]s || 4 x 4
 
| Buying house || 10,000 [[Bell]]s || 4 x 4
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| First main room expansion || 98,000 [[Bell]]s || 6 x 6
 
| First main room expansion || 98,000 [[Bell]]s || 6 x 6
 
|-
 
|-
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| Second main room Expansion || 198,000 [[Bell]]s || 8 x 8
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| Second main room expansion || 198,000 [[Bell]]s || 8 x 8
 
|-
 
|-
 
| Second floor || 298,000 [[Bell]]s || 4 x 4{{Note|After the second story is constructed, the player may choose to expand existing rooms or construct additional rooms, in any order.}}
 
| Second floor || 298,000 [[Bell]]s || 4 x 4{{Note|After the second story is constructed, the player may choose to expand existing rooms or construct additional rooms, in any order.}}
 
|-
 
|-
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| 1st Second Story Expansion || 498,000 [[Bell]]s || 6 x 6
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| 1st second story expansion || 498,000 [[Bell]]s || 6 x 6
 
|-
 
|-
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| 2nd Second Story Expansion || 598,000 [[Bell]]s || 8 x 8
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| 2nd second story expansion || 598,000 [[Bell]]s || 8 x 8
 
|-
 
|-
 
| Basement || 428,000 [[Bell]]s || 4 x 4
 
| Basement || 428,000 [[Bell]]s || 4 x 4
 
|-
 
|-
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| 1st Basement Expansion || 498,000 [[Bell]]s || 6 x 6
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| 1st basement expansion || 498,000 [[Bell]]s || 6 x 6
 
|-
 
|-
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| 2nd Basement Expansion || 598,000 [[Bell]]s || 8 x 8
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| 2nd basement expansion || 598,000 [[Bell]]s || 8 x 8
 
|-
 
|-
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| Left Room || 348,000 [[Bell]]s || 4 x 4
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| Left room || 348,000 [[Bell]]s || 4 x 4
 
|-
 
|-
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| 1st Left Room Expansion || 498,000 [[Bell]]s || 6 x 6
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| 1st left room expansion || 498,000 [[Bell]]s || 6 x 6
 
|-
 
|-
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| 2nd Left Room Expansion || 598,000 [[Bell]]s || 8 x 8
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| 2nd left room expansion || 598,000 [[Bell]]s || 8 x 8
 
|-
 
|-
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| Right Room || 348,000 [[Bell]]s || 4 x 4
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| Right room || 348,000 [[Bell]]s || 4 x 4
 
|-
 
|-
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| 1st Right Room Expansion || 498,000 [[Bell]]s || 6 x 6
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| 1st right room expansion || 498,000 [[Bell]]s || 6 x 6
 
|-
 
|-
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| 2nd Right Room Expansion || 598,000 [[Bell]]s || 8 x 8
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| 2nd right room expansion || 598,000 [[Bell]]s || 8 x 8
 
|-
 
|-
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| Back Room || 348,000 [[Bell]]s || 4 x 4
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| Back room || 348,000 [[Bell]]s || 4 x 4
 
|-
 
|-
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| 1st Back Room Expansion || 498,000 [[Bell]]s || 6 x 6
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| 1st back room expansion || 498,000 [[Bell]]s || 6 x 6
 
|-
 
|-
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| 2nd Back Room Expansion || 598,000 [[Bell]]s || 8 x 8
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| 2nd back room expansion || 598,000 [[Bell]]s || 8 x 8
 
|-
 
|-
 
| '''''Total''''' || '''7,456,000 [[Bell]]s''' ||  
 
| '''''Total''''' || '''7,456,000 [[Bell]]s''' ||  
 
|}
 
|}
  
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*''Total Floorspace'': 320m²
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*''Total floorspace'': 320m²
  
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*''Total Wallspace'': 142m
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*''Total wallspace'': 142m
  
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*''Total Furnishable Tiles'': 462
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*''Total furnishable tiles'': 462
  
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*''Floorspace Cost'': 23,737 Bells per m<sup>2</sup>
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*''Floorspace cost'': 23,737 Bells per m<sup>2</sup>
  
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*''Tile Cost'': 16,441 Bells per tile
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*''Tile cost'': 16,441 Bells per tile
  
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==={{NH|nolink}}===
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===In {{NH|short|nolink}}===
 +
In {{NH}}, the home loan can be paid off from the ABD in the [[Nook Stop]] in [[Resident Services]]. In {{NH}}, fully paying off the home loan allows the player to make any future [[House customization|exterior renovations]] for free.
 
{| class="styled color-gameplay"
 
{| class="styled color-gameplay"
 
|-
 
|-
−
! Purchase !! Mortgage Cost !! Size
+
! Purchase !! Cost !! Size
 
|-
 
|-
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| Buying a Tent || {{Currency|Nook Miles|5000}} / {{Currency|Bells|49800}} {{Note|The Bell cost is nominal: regardless of how the player responds when informed of the cost, Tom Nook will inform them that because the player doesn't have any Bells yet, they will be enrolled to pay off the initial fees using [[Nook Miles]].}}|| 4 × 4
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| Buying a tent || {{Currency|Nook Miles|5000}} / {{Currency|Bells|49800}} {{Note|The Bell cost is nominal; regardless of how the player responds when informed of the cost, Tom Nook will inform them that because the player does not have any Bells yet, they will be enrolled to pay off the initial fees using [[Nook Miles]].}}|| 4 × 4
 
|-
 
|-
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| Buying a House || {{Currency|Bells|98000}}  || 6 × 6
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| Buying a house || {{Currency|Bells|98000}}  || 6 × 6
 
|-
 
|-
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| Main room Expansion || {{Currency|Bells|198000}}  || 8 × 8
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| Main room expansion || {{Currency|Bells|198000}}  || 8 × 8
 
|-
 
|-
 
| Back room || {{Currency|Bells|348000}}  || 6 × 6
 
| Back room || {{Currency|Bells|348000}}  || 6 × 6
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| '''''Total''''' || '''{{Currency|Bells|6196000}} ''' ||  
 
| '''''Total''''' || '''{{Currency|Bells|6196000}} ''' ||  
 
|}
 
|}
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==={{PC|nolink}}===
 
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{{Section}}
 
  
 
== Notes ==
 
== Notes ==

Revision as of 17:46, October 25, 2021

House PG Icon.png
File:NHFinalLoanPaidOff.jpg
A player after fully paying off their home loan in New Horizons

A home loan, also known as a debt or mortgage, is an amount of Bells that is required to pay off in order to purchase or expand a player's home. After the player pays off the loan once, their home will be expanded again and they will be given a new loan. Once the house is fully expanded, the player will usually get a reward for paying off the final loan.

Appearances

In Doubutsu no Mori

In Doubutsu no Mori, Animal Crossing, and Doubutsu no Mori e+, the home loan can be paid off by speaking to Pelly or Phyllis at the post office. Additionally, in all three games, the player cannot deposit their Bells into their savings until their home loan is fully paid off.

Purchase Cost Size
Buying house 19,800 Bells 4 x 4
First expansion 49,800 Bells 6 x 6
Second expansion 498,000 Bells 8 x 8
Total 567,600 Bells

In Animal Crossing and Doubutsu no Mori e+

In Animal Crossing, fully paying off the home loan results in a statue of the player being placed outside the train station. The statue changes size and color based on the order each of the four players in the town pay it off: the first player to pay off their home loan receives a golden statue, the second player a silver statue, the third player a bronze statue, and the fourth player a jade statue. Additionally, in Doubutsu no Mori e+ fully paying of the player's home loan gives them access to Animal Island.

Purchase Cost Size
Buying house 19,800 Bells 4 x 4
First main room expansion 148,000 Bells 6 x 6
Basement[nb 1] 48,000 Bells 8 x 8
Second main room expansion 398,000 Bells 8 x 8
Second floor 798,000 Bells 6 x 6
Total 1,410,800 Bells

In Wild World

In Animal Crossing: Wild World, the home loan can be paid off by speaking to Pelly or Phyllis at town hall.

Purchase Cost Size
Buying house 19,800 Bells 4 x 4
First main room expansion 120,000 Bells 6 x 6
Second main room expansion 298,000 Bells 8 x 8
Second floor 598,000 Bells 6 x 6
Left room 728,000 Bells 6 x 6
Right room 848,000 Bells 6 x 6
Back room 948,000 Bells 6 x 6
Total 3,559,800 Bells

In City Folk

In Animal Crossing: City Folk, the home loan can be paid off from the ABD in town hall. Fully paying off the home loan results in a flag being placed in front of the player's house.

Purchase Cost Size
Buying house 19,800 Bells 4 x 4
First main room expansion 120,000 Bells 6 x 6
Second main room expansion 248,000 Bells 8 x 8
Second floor 368,000 Bells 6 x 6
Basement 598,000 Bells 8 x 8
Total 1,353,800 Bells

In New Leaf

In Animal Crossing: New Leaf, the home loan can be paid off from the ABD in the post office. Fully paying off the home loan unlocks theme challenges run by Lyle at the Happy Home Academy.

Purchase Cost Size
Buying house 10,000 Bells 4 x 4
First main room expansion 98,000 Bells 6 x 6
Second main room expansion 198,000 Bells 8 x 8
Second floor 298,000 Bells 4 x 4[nb 2]
1st second story expansion 498,000 Bells 6 x 6
2nd second story expansion 598,000 Bells 8 x 8
Basement 428,000 Bells 4 x 4
1st basement expansion 498,000 Bells 6 x 6
2nd basement expansion 598,000 Bells 8 x 8
Left room 348,000 Bells 4 x 4
1st left room expansion 498,000 Bells 6 x 6
2nd left room expansion 598,000 Bells 8 x 8
Right room 348,000 Bells 4 x 4
1st right room expansion 498,000 Bells 6 x 6
2nd right room expansion 598,000 Bells 8 x 8
Back room 348,000 Bells 4 x 4
1st back room expansion 498,000 Bells 6 x 6
2nd back room expansion 598,000 Bells 8 x 8
Total 7,456,000 Bells
  • Total floorspace: 320m²
  • Total wallspace: 142m
  • Total furnishable tiles: 462
  • Floorspace cost: 23,737 Bells per m2
  • Tile cost: 16,441 Bells per tile

In New Horizons

In Animal Crossing: New Horizons, the home loan can be paid off from the ABD in the Nook Stop in Resident Services. In Animal Crossing: New Horizons, fully paying off the home loan allows the player to make any future exterior renovations for free.

Purchase Cost Size
Buying a tent  5,000 Nook Miles /  49,800 Bells [nb 3] 4 × 4
Buying a house  98,000 Bells 6 × 6
Main room expansion  198,000 Bells 8 × 8
Back room  348,000 Bells 6 × 6
Left room  548,000 Bells 6 × 6
Right room  758,000 Bells 6 × 6
Second floor  1,248,000 Bells 12 × 6
Basement  2,498,000 Bells 12 × 6
First storage expansion  500,000 Bells[nb 4] N/A
Total  6,196,000 Bells

Notes

  1. ↑ Comes after the second main room expansion in Doubutsu no Mori+
  2. ↑ After the second story is constructed, the player may choose to expand existing rooms or construct additional rooms, in any order.
  3. ↑ The Bell cost is nominal; regardless of how the player responds when informed of the cost, Tom Nook will inform them that because the player does not have any Bells yet, they will be enrolled to pay off the initial fees using Nook Miles.
  4. ↑ Only available on versions above 1.6.0

Gallery

  • A player's statue in Animal Crossing received after paying off all home loans

  • CFLoanPaidOff.png

    A player after paying off their home loan in City Folk

  • A player talking to Tom Nook after paying off their home loan in City Folk

  • A player after paying off their home loan in New Leaf

  • A player talking to Tom Nook after fully paying off their loan in New Leaf

  • A player after paying off their loan in Pocket Camp

  • NHItemizedBill.gif

    Tom Nook handing the player their loan in New Horizons


Gameplay elements
Player Player • Mayor (approval rating) • Catalog • Catch quotes • Hairstyle • Passport • Pockets • Photo • Reaction • Reputation • Resident Representative • Skin tone • Tool • Town Pass Card Player 1 NH.png
Town Town/island • Hemisphere • Amenities • Animal tracks • Rebuild the town • Acres • Objects • Public works projects • Town fund • Town initiative • Town ordinance • Lost and found • Group
Life House • Happy Home Academy • Balloon • Event • Fashion check • Fêng shui • Home loan • Letter • Luck • Moving • NookPhone • Savings • Visit
Activities Badges • Bug catching • Constellation • Designing • Fishing • Mystery Island Tour • Part-time job • Stalk Market • Swimming • Tour (Tortimer Island)
Character AI Villager • Starting villager • Special character • Catchphrase • Compatibility • Conversation • Episode • Friendship • Hobbies • Scrapbook Memory • Nickname • Personality • Petition • Sickness • Star sign
Quests Ball • Favor • Hide-and-seek • Lost item • Time Capsule
Minigames NES games • Doubutsu no Mori e+: Doubutsu-tachi to Asobou! • Desert Island Escape • Animal Crossing Puzzle League
Currencies Bells • Caps • Leaf Tickets • Medals • MEOW Coupons • Nook Miles • Play Coins • Poki • Vouchers
Vehicles Bus • Camper • RV • Taxi • Train
Connectivity Multiplayer • Dream • DS Suitcase • Friend Code • Happy Home Network (Design Contest) • Nintendo Network • Nintendo Wi-Fi Connection • NookLink • Tag Mode • Transfer • WiiConnect24
Cheating Cheating device • Glitch • Gameplay modification • Seeds • Time travel
Fourth Wall • Reset • Secret code • Category
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